Systems and methods are disclosed for performing payment transactions using indicia-based associations between two or more user interfaces. One method includes: receiving transaction information related to a user's selection of goods or services from a merchant; generating an indicia encoding the transaction information related to the selected goods or services, the merchant, and the transaction amount; transmitting the indicia to be displayed, and to enable a user interface of a first user device to scan the indicia and extract the transaction information; receiving from the first user device, an authorization to process the payment transaction using a mobile payment source; and if sufficient resources exist in the mobile payment source: generating and transmitting a low value token to the merchant indicating the authorization of the payment transaction, wherein the low value token conceals the information related to the mobile payment source; and processing the transaction using the mobile payment source.
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3. The computer-implemented method of claim 2, wherein the indicia is displayed on a user interface of an external user device that is different from the first user device, and wherein the display of the indicia is scanned by the first user device.
This invention relates to a computer-implemented method for securely transferring data between devices using visual indicia. The problem addressed is the need for a secure and user-friendly way to transfer data, such as authentication credentials or configuration settings, between devices without relying on manual input or network-based transfers. The method involves generating a visual indicia, such as a QR code or barcode, on a first user device. This indicia encodes data that needs to be transferred to a second device. The indicia is then displayed on a user interface of an external user device, which may be a different device from the first one. The first user device scans the displayed indicia to retrieve the encoded data. This approach eliminates the need for manual data entry or network connectivity, reducing errors and improving security. The method may also include steps to ensure the integrity and authenticity of the transferred data, such as encrypting the indicia or verifying its source. The external user device could be a display screen, a mobile device, or another computing system capable of rendering the indicia. The first user device, which scans the indicia, may be a smartphone, tablet, or other portable device equipped with a camera or scanner. This technique is particularly useful in scenarios where devices need to exchange sensitive information securely, such as during device pairing, authentication, or configuration transfers, without exposing the data to network vulnerabilities or human error.
9. The computer-implemented method of claim 1, wherein generating and transmitting a token indicating the authorization of the payment transaction is performed using an application programming interface.
This invention relates to secure payment transaction authorization systems, specifically focusing on the generation and transmission of authorization tokens via an application programming interface (API). The problem addressed is the need for a standardized, efficient, and secure method to authorize payment transactions in digital systems, particularly where multiple parties or systems must verify transaction legitimacy. The method involves generating a token that confirms the authorization of a payment transaction. This token is created by a system that verifies the transaction details, such as the payer, payee, and transaction amount, against predefined authorization rules. Once validated, the token is transmitted to the relevant parties, such as merchants or payment processors, to confirm the transaction's legitimacy. The key innovation is the use of an API to handle this process, ensuring compatibility with various software systems and enabling seamless integration into existing payment infrastructures. The API-based approach allows for real-time authorization checks, reducing the risk of fraud and improving transaction speed. It also standardizes the communication protocol between different systems, making the process more reliable and scalable. The token itself may contain encrypted data or a unique identifier that can be verified by the receiving system, ensuring secure and tamper-proof authorization. This method is particularly useful in e-commerce, digital wallets, and other online payment environments where rapid and secure transaction verification is critical.
14. The system of claim 13, wherein the indicia is displayed on a user interface of an external user device that is different from the first user device, and wherein the display of the indicia is scanned by the first user device.
A system for secure data transfer between devices involves generating and displaying visual indicia, such as a QR code or barcode, on a user interface of an external user device. The first user device, which is distinct from the external device, scans this indicia to establish a secure communication channel. The system ensures that the indicia is dynamically generated and displayed only when needed, reducing the risk of unauthorized access. The indicia may encode authentication credentials, session keys, or other data required to initiate or authenticate a secure connection. The external user device may be a server, a mobile device, or another computing system, while the first user device could be a smartphone, tablet, or specialized hardware. The scanning process triggers the exchange of encrypted data, enabling secure transactions, authentication, or data synchronization between the devices. This approach enhances security by minimizing exposure of sensitive information and ensuring that the indicia is only accessible to authorized devices at the time of scanning. The system is particularly useful in applications requiring secure pairing, such as mobile payments, access control, or device provisioning.
17. The system of claim 11, wherein generating and transmitting a token indicating the authorization of the indicia-based payment transaction is performed using an application programming interface.
A system for processing indicia-based payment transactions involves generating and transmitting a token to authorize such transactions. The system includes a payment processing module that receives transaction data, including indicia such as barcodes or QR codes, from a user device. The module validates the transaction data and generates a token indicating authorization. This token is then transmitted to a payment network or financial institution to complete the transaction. The token generation and transmission process is performed using an application programming interface (API), which facilitates secure and standardized communication between the payment processing module and external systems. The API ensures compatibility with various payment networks and financial institutions, enabling seamless integration and processing of indicia-based payments. The system may also include a user interface for capturing transaction data, such as scanning indicia, and a security module to encrypt sensitive information during transmission. The overall system enhances the efficiency and security of indicia-based payment transactions by automating token generation and leveraging API-based communication.
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August 26, 2021
June 11, 2024
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